Expense Clarity

Expense Clarity Expense Clarity is a fast, 100% offline personal expense manager, recurring bill manager, and debt payoff planner built for complete financial privacy on Android. 100% OFFLINE & PRIVATE BY DESIGN - Zero Internet permission required - Zero advertisements and zero third-party tracking SDKs - No account sign-up or bank linking required Unlike finance apps that demand bank logins, cloud accounts, or monthly subscriptions, Expense Clarity keeps all your financial records strictly on your device-giving you instant 0ms startup speed and complete ownership of your data. CORE PHILOSOPHY Secured, Personal, Offline, Insightful, Lossless, Encrypted, Planned, Zero-Trace, Peace of Mind. COMPLETE FEATURE SET 1. Daily Safe-to-Spend & Instant Home Dashboard - Automatically calculates how much money you can comfortably spend today without hurting your monthly plan. - Deducts bills, savings, debt targets, and spending from monthly income, then calculates your daily available balance. 2. Fast Logging, Inline Math Calculator & Cash-Flow Feedback - Record Expenses, Income, or Debt transactions in seconds across Cash, UPI, Card, or Bank Transfer. - Built-in Quick Calculator inside the amount box: type math expressions. - Full Transaction History Explorer across Today, This Week, This Month, This Year, or All Time with Date/Period View, Category View, instant search, and 1-tap Undo for accidental deletes. 3. Recurring Streams, Fixed-Cycle EMIs & Silent Reminders - Track rent, utilities, subscriptions, fixed-term EMIs, and salary inflows on Daily, Weekly, Monthly, Quarterly, Half-Yearly, Yearly, or One-Time schedules. - Fixed-Cycle Tracking: Set a Total Occurrences limit (such as a 12-month EMI) to track progress (e.g., 9/12) and automatically mark the stream as Completed on the final payment. - Clear Stream Filters & Statuses: Filter by Ongoing or Recorded history with Ongoing, Completed, and Passed status badges. 4. Personal Debt & Loan Tracker with Smart Interest Schedules - Track money you Borrowed or Lent with Simple Interest, Compound Interest, or No Interest. - Flexible Interest Payment Schedules: Schedule interest Monthly, Quarterly, Half-Yearly, Yearly (automatically creates a linked interest stream), or accumulate interest On Settlement. 5. Clarity Analytics, Monthly Report Card & Notification Center - Interactive Category Tables: Tap any category slice or row to drill down into subcategory breakdowns and individual transactions. - Compare monthly income and expenses side by side. - Financial Health Score (0-100) & Monthly Report Card: Get an A+ to D monthly grade evaluating your savings rate, budget discipline, and top spending categories. - Category Budgets & In-App Notification Center 6. Full Category & Subcategory Management Suite - Create custom Expense and Income categories and subcategories. - Rename or recolor any category and automatically cascade updates across all historical transactions, streams, and budgets. - Merge two categories together, move subcategories between categories, or delete categories safely by selecting a replacement category. 7. Lossless CSV Migration, 256-Bit Backups (.ebak) & 6-Digit App Lock - Migration (CSV) Import: Import transactions from other expense apps or spreadsheets. - Encrypted Backups (.ebak) & CSV Export: Save AES-256 password-protected backups (with Smart Merge or Clean Replace restore) or export clean CSV spreadsheets for Excel. - Optional Encrypted Google Cloud Backup: Keeps a password-locked backup copy in your Google account backup when App Lock is enabled. - 6-Digit PIN App Lock & Public Privacy Mask: Lock the app with a 6-digit PIN and tap the top Eye icon anytime in public to hide all balances behind '----'. --- Developer: Kamlesh Bhati, Founder of SparrowsNews Official Website: https://expenseclarity.com/ Privacy Policy: https://expenseclarity.com/privacy-policy/ Support: [email protected]

What's New: - Smart Payment Mode Memory: Remembers & auto-selects your payment mode (Cash, UPI, Bank, Card, Cheque) as you type descriptions. - Accurate Safe-to-Spend Math: Recording recurring streams no longer triggers false daily limit alerts or double-counts bills. - Universal 6.1"-6.9" Display Fit: Auto-fitting text & uniform card heights across all screen resolutions. - Full Android 15/16 Edge-to-Edge & CSV Migration Hub improvements.